Structural model
| Hypothesis | β | SD | t-statistics | p-values | R2 | f2 | BCI LL | BCI UL | Decision |
|---|---|---|---|---|---|---|---|---|---|
| H1. Financial risk → Initial trust | –0.068 | 0.079 | 0.860 | 0.390 | 0.619 | 0.004 | –0.227 | 0.083 | Not supported |
| H2. Performance risk → Initial trust | 0.069 | 0.098 | 0.697 | 0.486 | 0.619 | 0.003 | –0.127 | 0.255 | Not supported |
| H3. Security and privacy risk → Initial trust | 0.014 | 0.054 | 0.258 | 0.796 | 0.619 | 0.000 | –0.091 | 0.116 | Not supported |
| H4. Social risk → Initial trust | 0.202 | 0.066 | 3.061 | 0.002 | 0.619 | 0.037 | 0.075 | 0.328 | Not supported |
| H5. Amount of public information → Initial trust | 0.423 | 0.056 | 7.585 | 0.000 | 0.619 | 0.279 | 0.306 | 0.518 | Supported |
| H6. Social media information-seeking → Initial trust | 0.298 | 0.068 | 4.369 | 0.000 | 0.619 | 0.109 | 0.167 | 0.427 | Supported |
| H7. Rational Decision style → Initial trust | 0.166 | 0.056 | 2.977 | 0.003 | 0.619 | 0.046 | 0.063 | 0.278 | Supported |
| H8. Intuitive decision style –/> Initial trust | 0.048 | 0.054 | 0.890 | 0.374 | 0.619 | 0.004 | –0.059 | 0.158 | Supported |
| H9. Initial trust → Behavioural intention | 0.613 | 0.045 | 13.672 | 0.000 | 0.376 | 0.602 | 0.514 | 0.692 | Supported |
| Hypothesis | SD | BCI LL | BCI UL | Decision | |||||
|---|---|---|---|---|---|---|---|---|---|
| –0.068 | 0.079 | 0.860 | 0.390 | 0.619 | 0.004 | –0.227 | 0.083 | Not supported | |
| 0.069 | 0.098 | 0.697 | 0.486 | 0.619 | 0.003 | –0.127 | 0.255 | Not supported | |
| 0.014 | 0.054 | 0.258 | 0.796 | 0.619 | 0.000 | –0.091 | 0.116 | Not supported | |
| 0.202 | 0.066 | 3.061 | 0.002 | 0.619 | 0.037 | 0.075 | 0.328 | Not supported | |
| 0.423 | 0.056 | 7.585 | 0.000 | 0.619 | 0.279 | 0.306 | 0.518 | Supported | |
| 0.298 | 0.068 | 4.369 | 0.000 | 0.619 | 0.109 | 0.167 | 0.427 | Supported | |
| 0.166 | 0.056 | 2.977 | 0.003 | 0.619 | 0.046 | 0.063 | 0.278 | Supported | |
| 0.048 | 0.054 | 0.890 | 0.374 | 0.619 | 0.004 | –0.059 | 0.158 | Supported | |
| 0.613 | 0.045 | 13.672 | 0.000 | 0.376 | 0.602 | 0.514 | 0.692 | Supported |
Notes:
→ = relationship; –/> = no relationship; β = the path coefficient; R2 = coefficient of determination; f2 = effect size; BCI LL = Beta coefficient lower level; BCI UL = Beta coefficient upper level; and p-value at 5%
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